Illustration to conduct an expedited electronic transaction

ABSTRACT

A method to display an illustration to conduct an expedited electronic transaction is provided. Consumer identification information identifying a consumer is received. The consumer identification information is stored in association with a web browser of a consumer&#39;s device. A customized illustration is displayed based on the received consumer identification information on the consumer&#39;s device. A request is received for the expedited electronic transaction by swiping the customized illustration across a portion of the display of the consumer&#39;s device. Transaction data sufficient to complete the electronic transaction is sent to the merchant based on the swipe of the customized illustration across display of the consumer&#39;s device.

CROSS REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of, and priority to, U.S. Prov.Appl. No. 62/067,884 filed Oct. 23, 2014, entitled “ILLUSTRATION TOCONDUCT AN EXPEDITED ELECTRONIC TRANSACTION,” the entire content ofwhich is incorporated herein by reference.

BACKGROUND

Electronic transactions typically require entry of multiple pieces ofinformation. As the frequency of online transactions increase, thedesire for streamlined methods of purchase increases. Many merchantscurrently offer goods and services available for purchase anddistribution from websites. However, creating a display to receivenecessary data to complete a transaction is cumbersome and inhibits useof alternate payment systems.

SUMMARY

Disclosed is a method and system of displaying an illustration toconduct an expedited electronic transaction. The method and systeminclude receiving consumer identification information identifying aconsumer wherein the consumer identification information is stored inassociation with a web browser of a device of a consumer. A customizedillustration is displayed based on the received consumer identificationinformation on a display of the device of the consumer. A request isreceived for an expedited electronic transaction by activating thecustomized illustration to move across a portion of the display of thedevice of the consumer. Password data is received in the space where thecustomized illustration moved across the portion of the display. Thisspace is not traditionally available to receive inputs. The efficientuse of this space on a display, rather than creating yet another inputfield or input screen, promotes more use of the expedited electronictransaction system. Transaction data sufficient to complete anelectronic transaction is then communicated to a merchant.

BRIEF DESCRIPTION OF THE DRAWINGS

The invention may be better understood by references to the detaileddescription when considered in connection with the accompanyingdrawings. The components in the figures are not necessarily to scale,emphasis instead being placed upon illustrating the principles of theinvention. In the figures, like reference numerals designatecorresponding parts throughout the different views.

FIGS. 1A-1E are illustrations of a sample graphical user interfaceincorporating a graphical representation of a credit card in accordancewith an embodiment of the subject technology.

FIGS. 2A-F are illustrations of a sample graphical user interface of thesubject technology in accordance with an embodiment of the subjecttechnology;

FIG. 3 is a flow diagram of a method in accordance with the subjecttechnology;

FIG. 4 is an illustration of a sample computing environment physicallyconfigured to execute the embodiments of the method;

FIG. 5 is an illustration of a portable computing device which isphysically configured according to embodiments of the method;

FIG. 6 may be an illustration of a server type computing device which isphysically configure according to the embodiments of the method′ and

FIGS. 7A-7C may be an illustration of selecting one payment device froma plurality of payment devices.

SPECIFICATION

Many consumers make regular online purchases across a variety ofmerchants and through a variety of websites. Many consumers alsofrequently make purchases with the same account and ship purchases tothe same address on each of those various websites. A goal of theinvention is to create a streamlined and efficient way to facilitate theconsumer's online transactions without the need to re-enter the sametransaction information, regardless of the merchant. This particulargoal of the invention is of particular technical advantage in themaximization of screen space for small computing devices by creating apassword box as part of a checkout activation button.

FIGS. 1A-1F are illustrations of a sample graphical user interface A103incorporating a graphical representation of a payment device such ascredit card A105 in accordance with an embodiment of the subjecttechnology. The illustrations may be representative of graphical userinterfaces A103 that would be used on mobile or tablet web browsers as aconsumer is completing a purchase. After Consumer John has placed anitem in his cart, he may encounter the screens A103 depicted in FIGS.1A-1F, which may depict various screens.

In FIG. 1A, a user may have an item in their shopping cart as shown inthe subtotal. The user may be presented additional options such asshipping options. The use may then be presented payment options such asa traditional payment mechanism or an advanced expedited electronictransaction application such as Visa Checkout. If Consumer John wouldlike to complete his transaction without using the expedited electronictransaction, he may select the topmost checkout button A109 and would beguided through several display screens in which he would be prompted toenter credit card, billing, and shipping information (not shown).

If the user desires to use the expedited electronic transaction systema109, the user may activate the expedited electronic transaction system.The activation may occur in a variety of ways. In one embodiment, theuser may tap the expedited electronic transaction symbol A109 and acustomized illustration A105 may then flow across the display. Themovement of the customized illustration A105 may remove a logo or symbolfrom a first position A113 to a second position A115 for the expeditedelectronic transaction system if a logo or symbol is present and mayreveal an entry field A117 to enter a password for the expeditedelectronic transaction system. In other embodiments, the movement may befurther highlighted by the customized illustration A105 flashing, beinghighlighted, changing colors, etc.

In another embodiment, the expedited electronic transaction system maybe activated by the user sliding the customized illustration A105 acrossthe display 102. The movement may be thought of as a swipe, for example.As the customized illustration A105 moves across the display from afirst position A113 to a second position A115, the customizedillustration A105 may remove a logo or symbol for the expeditedelectronic transaction system if a logo or symbol is present and mayreveal an entry field A117 to enter a password for the expeditedelectronic transaction system.

Logically, activation may occur in a variety of ways. As previouslydescribed, the activation action may be a tap, a swipe, a double tap, aprolonged hold on an input, etc. Of course, the activation action may beselected from a plurality of known actions by a user or may even be userdefined. For example, the activation action may be a voice commandcreated by the user, may be a movement of the phone by the user, may bea combination of inputs, etc.

In some embodiments, there may be a security aspect to the activationaction. The activation action may be analyzing a thumbprint placed on animage sensor. Thus, the activation action may also result in thethumbprint being analyzed regarding whether the thumbprint is arecognized thumbprint. If the thumbprint is recognized, then theactivation action may proceed and if the activation action is notrecognized, the activation action may be repeated. Similarly, voicecommands through a microphone may be used as an activation action andthe voice received may be compared to known voices to verify the voiceis known before proceeding with activation.

As mentioned previously, the activation action may be user definable. Inone embodiment, a selection of actions may be predefined and a user mayselect an activity action from the predefined list. The predefined listmay be device dependent. For example, some devices may not have asufficient image sensors to read a thumbprint, etc. In otherembodiments, the activation action may be more broad than a predefinedlist and a user may create their own activation action which may be asingle action or a combination of actions.

The customized illustration may be a variety of relevant objects. InFIGS. 1A-1F, the customized illustration is illustrated as being in theform of a credit card. In some embodiments, the credit card may be ageneric credit card. In other embodiments, the card may be a replica ofa payment device or card that the user actually controls. In someembodiments, the card replica data may be stored in the mobile devicesuch as with an electronic cookie. In other embodiments, the card may bea replica of one or more cards the user has added to the expeditedelectronic payment system. For example, if the user has a card that issponsored by Green University, the displayed customized illustration maybe a Green University credit card. Of course, the customizedillustration A105 may take on many forms and may represent a variety ofthings including payment device such as debit cards, gift card, storecredit card, loyalty cards, points card, a representation of analternate currency such as Airline miles, bitcoins, rebates, etc.

In another aspect, the user may be able to select one of the customizedillustrations A105 which may be payment devices cards associated withthe expedited electronic payment system if there are more than paymentdevice associated with a user. A user may have several payment devicesattached to an expedited electronic transaction system. By activatingthe card by selecting a customized illustration A105, a pop-upadditional window may appear in which a user may select one paymentdevice out of a plurality of payment devices.

In another embodiment as illustrated in FIGS. 7A-7C, the user may swipedown on the activation space and may rotate through the plurality ofcustomized illustrations A105 which may represent payment devices whichmay be displayed in the activation space. The user may be able to rotatethrough a plurality of payment devices and stop on the desiredillustration. The rotation may be vertical, horizontal or in bothdirection.

In another embodiment, the user may tap the activation space A119 toindex through a plurality of payment devices. For example, the user mayhold the activation space A119 until the payment device indicates it isready to be changed such as highlighting the payment device, outliningthe payment device, greying the payment device, making the paymentdevice blink, etc. Once the payment device related to the paymentillustration A105 has being activated, tapping the payment device mayallow it to index through a the plurality of payment devices which havebeen associated with the expedited electronic payment system. Of course,other manners of changing the payment device are known and arecontemplated.

FIG. 1B may illustrate the customized illustration A105 flowing acrossthe expedited electronic transaction system illustration. The movementof the customized illustration A105 may be the result of a swipe or fromanother activation action.

FIG. 1C may illustrate that the activation action has been completed andthat a password or other activation sequence is being entered. Thepassword may be obscured for security. FIG. 1D illustrates that theentire activation sequence has been received even though the code isobscured with darkened circles. It also illustrates the first positionA113 (dashed) and the second position A115. FIG. 1E illustrates that theentire activation sequence has been received in the entry space A117even though the code is obscured with asterisks. Of course, othermanners of obscuring the entered passcodes are possible.

FIG. 2A may illustrate an embodiment where no representations of apayment device are available. In this case, a chevron is used inside thepayment device. In FIG. 2B, the payment device with chevron flows acrossthe display. In FIG. 2C, the payment device with chevron has moved fullyacross the expedited electronic transaction system display and anactivation sequence is being entered. FIG. 2D illustrates where anactivation sequence has been entered and is obscured by darkenedcircles. FIG. 2E illustrates an embodiments where an activation sequenceis being entered and is obscured by asterisks and FIG. 2F illustrateswhere the activation code is almost completely entered but is occurredby asterisks.

There may be a variety of expedited electronic payment systems and themanner of activating them may vary. The technical challenge is how toenter a password in a payment illustration without forcing the user toenter an additional screen or creating a pop-up that dominates the cleandesign of the expedited electronic payment system. Past systems defeatedthe purpose of the expedited electronic payment system by forcingpasswords in additional display screens, space wasting and distractingpassword entry fields or pop-ups. As a result, the expedited electronicpayment system was not used as frequently as possible.

The additional displays or pop-ups may defeat the purpose of theexpedited electronic payment system which may emphasize ease of payment.By accepting a password in the activation space, the clean and easyaction of the electronic payment system may be maintained.

In some embodiments, the expedited electronic transaction system may bepre-populated with a sign on and a variety of payment devices and apassword may be necessary to effectuate a transaction. The sign-on maybe stored locally on the mobile computing device such as an electroniccookie or may be stored remotely. If the sign-on is known, it may appearin a sign-on space A107. In some embodiments, the sign-on may bepartially obscured.

As an example, consumer John's payment identification which may be anemail address A107 may be masked, and he may be prompted for hispassword to complete his expedited electronic transaction. For privacypurposes, as shown in FIGS. 1C-1F, password entry may be masked by dots,asterisks or other masking symbol A111.

FIGS. 2A-F are illustrations of a sample graphical user interface of thesubject technology in accordance with an embodiment of the subjecttechnology. The screens may or may not detect inactive cookies which mayrepresent card art. If card art is not identified or associated with theuser, a generic or stylized checkout button may be depicted as shown inFIGS. 2A-F. In this situation, if data regarding the various paymentdevices is not available, a generic payment

FIG. 3 is a flow diagram of a method in accordance with the subjecttechnology. At block B300 consumer identification information isreceived identifying a consumer, wherein the consumer identificationinformation is stored in association with a web browser of a device of aconsumer. The consumer may be identified based on a stored cookie of theweb browser, i.e., the consumer identification information may be storedas a cookie of the web browser. The consumer identification informationmay be user account information associating the consumer with a useraccount for an expedited electronic transaction system that may be partof a larger transaction account system. The consumer may be able tostore information associated with multiple accounts, credit cards, debitcards, gift cards, shipping addresses, billing addresses, expirationdates, CVV, CVV2s, and any other necessary information to complete atransaction. The consumer may be able to designate a default account,shipping information, billing address and other information such thatupon requesting an expedited electronic transaction, any and allnecessary transaction information is sent in order to facilitate apurchase. All sensitive consumer account information may be stored onremote, secure servers, while card-art and the user's e-mail address arestored in the consumer's browser cookie.

At block B310, a customized illustration based on the received consumeridentification is displayed based on the received consumeridentification information on a display of the device of the consumer.The display elements may be further dictated based on the status of thecookie. For example, the status of the cookie may be an active orinactive status that may be based on the duration of time since theconsumer has last use the expedited electronic transaction system. Ifthe status of the cookie is an active status, the customizedillustration may correspond to card art associated with a physical cardof the consumer. For example, if the consumer has a customized physicalcredit card associated with the expedited electronic transaction system,then the card art may be correspond to the customized physical creditcard. The display may further include an unmasked user email address ofthe consumer associated with the expedited electronic transactionsystem, an unmasked delivery address and the last four digits of thePrimary Account Number (PAN) of the consumer associated with theconsumer. The PAN may additionally be associated with the card artappearing on the display. Although the consumer's user account for theexpedited electronic transaction system may have a password associatedwith it, the user may not need to enter a password if the cookie isidentified by the system and determined to have an active status.

If the status of the cookie is an inactive status, the customizedillustration may correspond to card art associated with a physical cardof the consumer but may further include a requirement that the consumerenter a password associated with the consumer's user account for theexpedited electronic transaction system. Other elements of the displaywhen the cookie is an inactive status may include a masked user email, amasked delivery address and the last four digits of the PAN of theconsumer.

At block B320, a request for an expedited transaction is received byactivating the customized illustration A105 across a portion of thedisplay of the device from a first position A113 to a second positionA115. If a cookie is in an inactive status, the swiping of thecustomized illustration may prompt the consumer to enter the consumer'suser password associated with the expedited electronic transactionsystem in the entry space A117. Swiping may take many forms and may evenbe defined specifically for a user. In one embodiment, a swipe startsfrom a first point of contact on a touch sensitive display such as acapacitive display. The point of contact may then proceed through adesignated swipe area to a point of completion. If the point of contactdoes not complete to the point of completion, the swipe action may stopor reset. Similarly, if the swipe starts but then reverses, the swipeaction may stop or reset. Of course, a user may be able to define hisown swipe zone, point of completion, etc., which may even take onnon-linear paths and forms. Upon correct entry of the consumer'spassword, the transaction then continues. The consumer swipes across thedisplay, which initiates the transaction with the merchant. At B330,transaction data sufficient to complete an electronic transaction issent to a merchant based on the swipe of the customized illustrationacross a portion of the display of the device of the consumer.

The expedited electronic transaction system authenticates the user, andif successful (including the approval of the transaction), payment datais generated, then further display illustrations are generated whichprovide details regarding the completed order. The transaction may flowthrough a payment network which may be physically configured to executereview and approve transactions. The payment network may employ tokensto enable the transaction which may include short term personalidentification numbers which are known only to the payment network orthe payment instrument provider.

FIG. 4 may be a high level illustration of some of the elements in asample computing system that may be physically configured to execute thevarious embodiments of the method. The computing system may be adedicated computing device 141, a dedicated portable computing device101, an application on the computing device 141, an application on theportable computing device 101 or a combination of all of these. FIG. 5may be a high level illustration of a portable computing device 101communicating with a remote computing device 141 through a communicationdevice 121 but the application may be stored and accessed in a varietyof ways. In addition, the application may be obtained in a variety ofways such as from an app store, from a web site, from a store WiFisystem, etc. There may be various versions of the application to takeadvantage of the benefits of different computing devices, differentcomputing languages and different API platforms.

The system solves several technological problems. First, users often arewary of entering sensitive data into a mobile electronic device. Bycreating a graphical user interface that operates in an unexpected andmore useful manner, more people may use the expedited electronic paymentsystem. Also, by allowing users to enter information in a space whichwas previously unused, it saves users from having to proceed to anotherscreen and wait for another screen to load. Further, by allowing usersto select a payment device from a plurality of payment devices on afirst screen, the screen acts in an unexpected way the improves thefunctionality of the computing system.

As illustrated in FIG. 4, payment transaction data may be received bythe system in a variety of ways. In some embodiments, the portablecomputing devices 101 with near field communication (NFC) capability maybe used to communicate the payments transaction data to remote computingdevices 141. In yet additional embodiments, the payment transaction datamay be typed in by a user, such as a user of a personal computer. As canbe understood, the relevant transaction data may be entered manually ormay be communicated in an electronic fashion, such as through acommunication device 121 and using WiFi, Ethernet, NFC, infrared, highfrequency communication systems or any other electronic communicationformat. It should be noted that the actual account information such asthe 16 digit credit card number do not necessarily have to becommunicated. A code or token may be used and the code may be used toaccess the actual payment transaction data which may be stored locally,such as in a portable computing device 101 or may be stored remotely,such as in a cloud computing environment 141. Logically, the code may beencrypted and the code may also be used as part of an encryption key.

In one embodiment, a portable computing device 101 may be a device thatoperates using a portable power source 155 such as a battery (FIG. 5).Referring to FIG. 4, the portable computing device 101 may also have adisplay 102 which may or may not be a touch sensitive display. Morespecifically, the display 102 may have a capacitance sensor, forexample, that may be used to provide input data to the portablecomputing device 101. In other embodiments, an input pad 104 such asarrows, scroll wheels, keyboards, etc., may be used to provide inputs tothe portable computing device 101. In addition, the portable computingdevice 101 may have a microphone 106 which may accept and store verbaldata, a camera 108 to accept images and a speaker 110 to communicatesounds.

The portable computing device 101 may be able to communicate with acomputing device 141 or a plurality of computing devices 141 that makeup a cloud of computing devices 111 through a communication device 121.The portable computing device 101 may be able to communicate in avariety of ways. In some embodiments, the communication may be wiredsuch as through an Ethernet cable, a USB cable or RJ6 cable. In otherembodiments, the communication may be wireless such as through Wi-Fi(802.11 standard), Bluetooth, cellular communication or near fieldcommunication devices. The communication may be direct to the computingdevice 141 or may be through a communication device or network ofdevices 121 such as cellular service, through the Internet, through aprivate network, through Bluetooth, through near field communications,etc. FIG. 5 may be a simplified illustration of the physical elementsthat make up a portable computing device 101 and FIG. 6 may be asimplified illustration of the physical elements that make up a servertype computing device 141.

Referring to FIG. 5, a sample portable computing device 101 may bephysically configured according to a method to be part of the system.The portable computing device 101 may have a processor 150 that isphysically configured according to computer executable instructions. Itmay have a portable power supply 155 such as a battery which may berechargeable. It may also have a sound and video module 160 whichassists in displaying video and sound and may turn off when not in useto conserve power and battery life. The portable computing device 101may also have volatile memory 165 and non-volatile memory 170. Therealso may be an input/output bus 175 that shuttles data to and from thevarious user input devices such as the microphone 106, the camera 108and other inputs 102, etc. It also may control of communicating with thenetworks, either through wireless or wired devices. Of course, this isjust one embodiment of the portable computing device 101 and the numberand types of portable computing devices 101 is limited only by theimagination. The portable computing device 101 may act as the display102 or may be a part of the display 102.

The physical elements that make up the remote computing device 141 maybe further illustrated in FIG. 6. At a high level, the computing device141 may include a digital storage such as a magnetic disk, an opticaldisk, flash storage, non-volatile storage, etc. Structured data may bestored in the digital storage such as in a database. The server 141 mayhave a processor 300 that is physically configured according to computerexecutable instructions. It may also have a sound and video module 305which assists in displaying video and sound and may turn off when not inuse to conserve power and battery life. The server 141 may also havevolatile memory 310 and non-volatile memory 315.

The database 325 may be stored in the memory 310 or 315 or may beseparate. The database 325 may also be part of a cloud of computingdevice 141 and may be stored in a distributed manner across a pluralityof computing devices 141. There also may be an input/output bus 320 thatshuttles data to and from the various user input devices such as themicrophone 106, the camera 108, the inputs 102, etc. The input/outputbus 320 also may control of communicating with the networks, eitherthrough wireless or wired devices. In some embodiments, the applicationmay be on the local computing device 101 and in other embodiments, theapplication may be remote 141. Of course, this is just one embodiment ofthe server 141 and the number and types of computing devices 141 islimited only by the imagination.

The disclosure and the various features and advantageous details thereofare explained more fully with reference to the non-limiting embodimentsand examples that are described and/or illustrated in the accompanyingdrawings and detailed in the following description. It should be notedthat the features illustrated in the drawings are not necessarily drawnto scale, and features of one embodiment may be employed with otherembodiments as the skilled artisan would recognize, even if notexplicitly stated herein. Descriptions of well-known components andprocessing techniques may be omitted so as to not unnecessarily obscurethe embodiments of the disclosure. The examples used herein are intendedmerely to facilitate an understanding of ways in which the disclosuremay be practiced and to further enable those of skill in the art topractice the embodiments of the disclosure. Accordingly, the examplesand embodiments herein should not be construed as limiting the scope ofthe disclosure. Moreover, it is noted that like reference numeralsrepresent similar parts throughout the several views of the drawings.

A “computer,” as used in this disclosure, means any machine, device,circuit, component, or module, or any system of machines, devices,circuits, components, modules, etc., which are capable of manipulatingdata according to one or more instructions, such as, for example,without limitation, a processor, a microprocessor, a central processingunit, a general purpose computer, a super computer, a personal computer,a laptop computer, a palmtop computer, a tablet computer, a smart phone,a notebook computer, a desktop computer, a workstation computer, aserver, etc., or an array of processors, microprocessors, centralprocessing units, general purpose computers, super computers, personalcomputers, laptop computers, palmtop computers, notebook computers,desktop computers, workstation computers, servers, etc.

A “server,” as used in this disclosure, means any combination ofsoftware and/or hardware, including at least one application and/or atleast one computer to perform services for connected clients as part ofa client-server architecture. The at least one server application mayinclude, but is not limited to, for example, an application program thatcan accept connections to service requests from clients by sending backresponses to the clients. The server may be configured to run the atleast one application, often under heavy workloads, unattended, forextended periods of time with minimal human direction. The server mayinclude a plurality of computers configured, with the at least oneapplication being divided among the computers depending upon theworkload. For example, under light loading, the at least one applicationcan run on a single computer. However, under heavy loading, multiplecomputers may be required to run the at least one application. Theserver, or any of its computers, may also be used as a workstation.

A “database,” as used in this disclosure, means any combination ofsoftware and/or hardware, including at least one application and/or atleast one computer. The database may include a structured collection ofrecords or data organized according to a database model, such as, forexample, but not limited to at least one of a relational model, ahierarchical model, a network model or the like. The database mayinclude a database management system application (DBMS) as is known inthe art. The at least one application may include, but is not limitedto, for example, an application program that can accept connections toservice requests from clients by sending back responses to the clients.The database may be configured to run the at least one application,often under heavy workloads, unattended, for extended periods of timewith minimal human direction.

A “communication link,” as used in this disclosure, means a wired and/orwireless medium that conveys data or information between at least twopoints. The wired or wireless medium may include, for example, ametallic conductor link, a radio frequency (RF) communication link, anInfrared (1R) communication link, an optical communication link, or thelike, without limitation. The RF communication link may include, forexample, WiFi, WiMAX, IEEE 802.11, DECT, OG, IG, 2G, 3G or 4G cellularstandards, Bluetooth, and the like.

A “network,” as used in this disclosure means, but is not limited to,for example, at least one of a local area network (LAN), a wide areanetwork (WAN), a storage area network (SAN), a metropolitan area network(MAN), a personal area network (PAN), a campus area network, a corporatearea network, a global area network (GAN), a broadband area network(BAN), a cellular network, the Internet, or the like, or any combinationof the foregoing, any of which may be configured to communicate data viaa wireless and/or a wired communication medium. These networks may run avariety of protocols not limited to TCP/IP, IRC or HTTP.

An “individual” or “consumer” as used in this disclosure means, but isnot limited to, for example, a human, artificially intelligent software(e.g., fuzzy logic, neural networks, or the like), a fully automated,robotic entity, or a plurality of fully automated, networked, roboticentities.

The terms “including,” “comprising” and variations thereof, as used inthis disclosure, mean “including, but not limited to,” unless expresslyspecified otherwise.

The terms “a,” “an,” and “the,” as used in this disclosure, means “oneor more,” unless expressly specified otherwise.

Devices that are in communication with each other need not be incontinuous communication with each other, unless expressly specifiedotherwise. In addition, devices that are in communication with eachother may communicate directly or indirectly through one or moreintermediaries.

Although process steps, method steps, algorithms, or the like, may bedescribed in a sequential order, such processes, methods and algorithmsmay be configured to work in alternate orders. In other words, anysequence or order of steps that may be described does not necessarilyindicate a requirement that the steps be performed in that order. Thesteps of the processes, methods or algorithms described herein may beperformed in any order practical. Further, some steps may be performedsimultaneously.

When a single device or article is described herein, it will be readilyapparent that more than one device or article may be used in place of asingle device or article. Similarly, where more than one device orarticle is described herein, it will be readily apparent that a singledevice or article may be used in place of the more than one device orarticle. The functionality or the features of a device may bealternatively embodied by one or more other devices which are notexplicitly described as having such functionality or features.

A “computer-readable medium,” as used in this disclosure, means anymedium that participates in providing data (for example, instructions)which may be read by a computer. In some examples the computer-readablemedium may be non-transitory. Such a medium may take many forms,including non-volatile media, volatile media, and transmission media.Non-volatile media may include, for example, optical or magnetic disksand other persistent memory. Volatile media may include dynamic randomaccess memory (DRAM). Transmission media may include coaxial cables,copper wire and fiber optics, including the wires that comprise a systembus coupled to the processor. Transmission media may include or conveyacoustic waves, light waves and electromagnetic emissions, such as thosegenerated during radio frequency (RF) and infrared (IR) datacommunications. Common forms of computer-readable media include, forexample, a floppy disk, a flexible disk, hard disk, magnetic tape, anyother magnetic medium, a CD-ROM, DVD, any other optical medium, punchcards, paper tape, any other physical medium with patterns of holes, aRAM, a PROM, an EPROM, a FLASH-EEPROM, any other memory chip orcartridge, a carrier wave as described hereinafter, or any other mediumfrom which a computer can read. The computer-readable medium may includea “Cloud,” which includes a distribution of files across multiple (e.g.,tens of, hundreds of, or thousands of) memory caches on multiple (e.g.,tens of, hundreds of, or thousands of) computers.

Various forms of computer readable media may be involved in carryingsequences of instructions to a computer. For example, sequences ofinstruction (i) may be delivered from a RAM to a processor, (ii) may becarried over a wireless transmission medium, and/or (iii) may beformatted according to numerous formats, standards or protocols,including, for example, WiFi, WiMAX, IEEE 802.11, DECT, OG, I G, 2G, 3Gor 4G cellular standards, Bluetooth, or the like.

Certain embodiments are described herein as including logic or a numberof components, modules, or mechanisms. Modules may constitute eithersoftware modules (e.g., code embodied on a machine-readable medium or ina transmission signal) or hardware modules. A hardware module istangible unit capable of performing certain operations and may beconfigured or arranged in a certain manner. In example embodiments, oneor more computer systems (e.g., a standalone, client or server computersystem) or one or more hardware modules of a computer system (e.g., aprocessor or a group of processors) may be configured by software (e.g.,an application or application portion) as a hardware module thatoperates to perform certain operations as described herein.

In various embodiments, a hardware module may be implementedmechanically or electronically. For example, a hardware module maycomprise dedicated circuitry or logic that is permanently configured(e.g., as a special-purpose processor, such as a field programmable gatearray (FPGA) or an application-specific integrated circuit (ASIC)) toperform certain operations. A hardware module may also compriseprogrammable logic or circuitry (e.g., as encompassed within ageneral-purpose processor or other programmable processor) that istemporarily configured by software to perform certain operations. Itwill be appreciated that the decision to implement a hardware modulemechanically, in dedicated and permanently configured circuitry, or intemporarily configured circuitry (e.g., configured by software) may bedriven by cost and time considerations.

The various operations of example methods described herein may beperformed, at least partially, by one or more processors that aretemporarily configured (e.g., by software) or permanently configured toperform the relevant operations. Whether temporarily or permanentlyconfigured, such processors may constitute processor-implemented modulesthat operate to perform one or more operations or functions. The modulesreferred to herein may, in some example embodiments, may compriseprocessor-implemented modules.

Similarly, the methods or routines described herein may be at leastpartially processor-implemented. For example, at least some of theoperations of a method may be performed by one or more processors orprocessor-implemented hardware modules. The performance of certain ofthe operations may be distributed among the one or more processors, notonly residing within a single machine, but deployed across a number ofmachines. In some example embodiments, the processor or processors maybe located in a single location (e.g., within a home environment, anoffice environment or as a server farm), while in other embodiments theprocessors may be distributed across a number of locations.

The one or more processors may also operate to support performance ofthe relevant operations in a “cloud computing” environment or as a“software as a service” (SaaS). For example, at least some of theoperations may be performed by a group of computers (as examples ofmachines including processors), these operations being accessible via anetwork (e.g., the Internet) and via one or more appropriate interfaces(e.g., application program interfaces (APIs).)

The performance of certain of the operations may be distributed amongthe one or more processors, not only residing within a single machine,but deployed across a number of machines. In some example embodiments,the one or more processors or processor-implemented modules may belocated in a single geographic location (e.g., within a homeenvironment, an office environment, or a server farm). In other exampleembodiments, the one or more processors or processor-implemented modulesmay be distributed across a number of geographic locations.

Unless specifically stated otherwise, discussions herein using wordssuch as “processing,” “computing,” “calculating,” “determining,”“presenting,” “displaying,” or the like may refer to actions orprocesses of a machine (e.g., a computer) that manipulates or transformsdata represented as physical (e.g., electronic, magnetic, or optical)quantities within one or more memories (e.g., volatile memory,non-volatile memory, or a combination thereof), registers, or othermachine components that receive, store, transmit, or displayinformation.

Still further, the figures depict preferred embodiments of a system forpurposes of illustration only. One skilled in the art will readilyrecognize from the foregoing discussion that alternative embodiments ofthe structures and methods illustrated herein may be employed withoutdeparting from the principles described herein. Thus, upon reading thisdisclosure, those of skill in the art will appreciate still additionalalternative structural and functional designs for a system through thedisclosed principles herein. Thus, while particular embodiments andapplications have been illustrated and described, it is to be understoodthat the disclosed embodiments are not limited to the preciseconstruction and components disclosed herein. Various modifications,changes and variations, which will be apparent to those skilled in theart, may be made in the arrangement, operation and details of the methodand apparatus disclosed herein without departing from the spirit andscope defined in the appended claims

While the disclosure has been described in terms of exemplaryembodiments, those skilled in the art will recognize that the disclosurecan be practiced with modifications that fall within the spirit andscope of the appended claims. These examples given above are merelyillustrative and are not meant to be an exhaustive list of all possibledesigns, embodiments, applications or modification of the disclosure.

In accordance with the provisions of the patent statutes andjurisprudence, exemplary configurations described above are consideredto represent a preferred embodiment of the invention. However, it shouldbe noted that the invention can be practiced otherwise than asspecifically illustrated and described without departing from its spiritor scope.

1. A processor executed method of displaying an illustration to conductan expedited electronic transaction, the method comprising: receivingconsumer identification information identifying a consumer at aprocessor, wherein the consumer identification information is stored inassociation with a web browser of a device of a consumer; displaying,via the processor, a customized illustration based on the receivedconsumer identification information on a display of the device of theconsumer; receiving, via the processor, a request for an expeditedelectronic transaction by activating the customized illustration on aportion of the display of the device of the consumer; illustrating, bythe processor, the customized illustration in a movement from a firstposition on the display to a second position on the display; themovement defining an entry portion between the first position and thesecond position; displaying, via the processor, an indicator for theentry of a password in the entry portion; and receiving, via theprocessor, password information from the consumer in the entry portionof the display adjacent to the customized illustration.
 2. The method ofclaim 1, wherein the consumer identification information is stored as acookie of the web browser.
 3. The method of claim 2, wherein theconsumer identification information is identified based on a status ofthe cookie.
 4. The method of claim 3, wherein if the status of thecookie is an active status and the customized illustration correspondsto card art associated with a physical card of the consumer.
 5. Themethod of claim 3, wherein if the status of the cookie is an inactivestatus, the customized illustration corresponds to card art associatedwith a physical card of the consumer and further includes the methodsteps comprising: displaying an indicator requesting the entry of apassword; and receiving password information from the consumer via thedisplay of the device adjacent to the customized illustration.
 6. Themethod of claim 4, wherein the displayed information further includes anunmasked user email, an unmasked delivery address, and the last fourdigits of the PAN of the consumer in a portion of the display of thedevice of the consumer.
 7. The method of claim 5, wherein the inactivestatus of the cookie is based on the duration of time since the lastrequest for an expedited electronic transaction by the consumer.
 8. Themethod of claim 5, wherein the displayed information further includes amasked user email, a masked delivery address and the last four digits ofthe PAN of the consumer in a portion of the display of the device of theconsumer.
 9. The method of claim 1, further comprising selecting onecustomized illustration from a plurality of customized illustrationswhere each customized illustration represents a separate payment device.10. The method of claim 9 wherein the customized illustration is anillustration of a payment device related to the user.
 11. The method ofclaim 10, wherein the payment device is at least one of a credit card, adebit card, a gift card, a branded store card, and a loyalty card. 12.The method of claim 9 wherein the customized illustration rotatesthrough the plurality of payment devices associated with an expediteelectronic transaction system.
 13. The method of claim 9, wherein thecustomized illustration is selected from an initial payments displaywindow.
 14. The method of claim 1, wherein the entry portion isdisplayed on an initial payments display window.
 15. The method of claim1, further comprising communicating transaction data sufficient tocomplete an electronic transaction to a merchant based on the activationof the customized illustration across a portion of the display of thedevice of the consumer.
 16. A system for executing a method ofdisplaying an illustration to conduct an expedited electronictransaction, the system comprising a processor physically configured toexecute the method, a memory to assist the processor in executing themethod and an input-output circuit; the processor being physicallyconfigured for: receiving consumer identification informationidentifying a consumer at a processor, wherein the consumeridentification information is stored in association with a web browserof a device of a consumer; displaying, via the processor, a customizedillustration based on the received consumer identification informationon a display of the device of the consumer; receiving, via theprocessor, a request for an expedited electronic transaction byactivating the customized illustration on a portion of the display ofthe device of the consumer; illustrating, by the processor, thecustomized illustration in a movement from a first position on thedisplay to a second position on the display; the movement defining anentry portion between the first position and the second position;displaying, via the processor, an indicator for the entry of a passwordin the entry portion; and receiving, via the processor, passwordinformation from the consumer in the entry portion of the displayadjacent to the customized illustration.
 17. The computer system ofclaim 15, further comprising selecting one customized illustration froma plurality of customized illustrations where each customizedillustration represents a separate payment device.
 18. The computersystem of claim 15, wherein the customized illustration is anillustration of a payment device related to the user.
 19. The computersystem of claim 15, wherein the customized illustration rotates throughthe plurality of payment devices associated with an expedite electronictransaction system.
 20. The computer system of claim 15, wherein thecustomized illustration is selected from an initial payments displaywindow.